Rental Property Cash Flow Calculator

A good monthly cash flow in Florida is $200–$500/month for a single-family rental with 20% down conventional financing in 2026. Jacksonville and Ocala investors regularly achieve $300–$600/month. Miami properties often break even or produce $0–$200/month — they're appreciation plays.

With conventional financing (20% down), plan for 20% down payment plus 2.5–3% closing costs. On a $300K property that's roughly $67K–$69K total. FHA house hacking drops this to 3.5% down ($10,500) on a $300K duplex, with tenants subsidizing your mortgage.

Florida insurance costs average $2,500–$5,000/year for inland SFH and $4,000–$9,000/year near the coast due to hurricane risk. Post-2024 market stabilization has helped but FL remains 2–3x national insurance costs. Always get 3 quotes and factor wind + flood separately.

Cash-on-cash ROI = annual cash flow ÷ total cash invested × 100. A strong CoC ROI is 8%+ in Florida. 5–8% is acceptable. Under 5% means you're primarily counting on appreciation. Jacksonville and Ocala regularly produce 8–12% CoC on leveraged buys.

FHA (3.5% down) is only available for owner-occupied properties — house hacking a duplex/triplex/fourplex. Conventional investment property loans require 15–25% down. DSCR loans require no income verification but need 20–25% down and higher rates.